They say that CMS approves the Coverage booklets, but no one has really read them. The Hmo's are betting you won't and then when you have a problem it can be to late. They are making billions on the backs of workers using semantics as high priced lawyers wriggle out of your contract. PAY ATTENTION we will all be in an HMO one day if not already. Write the Health and Human Services director, senator,congressman.MAKE THE HMO's COMPLY WITH THE CONTRACT AND THE LAW!